But it's not just land erosion along the coast that you need to worry about.

Miami is already getting salt-water intrusion in the storm sewer system, which makes them run backwards. This will eventually intrude into the aquifer there as well making the water undrinkable without expensive filtration.

The limestone that all of south Florida sits on is literally being eaten away by ocean acidification.

That same limestone prevents any kind of dyke or seawall system from working.

Sinkholes are opening up in the middle of the state due to so much water being pumped out of the aquifer & it not being able to replenish fast enough.

It doesn't matter if people need insurance. Insurance companies aren't in the business of giving away money.